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even more significant this time, dan, because really the american job generation machine has slowed down dramatically. and we've let our business environment get less and less efficient. we've let the cost of doing business rise up. we've got -- we're losing many, many more investment decisions and business activities to other countries than we're getting back. and yet, the political debate including the one we're having this morning is really not about the really important things. it's not about skills. it's not about the fundamental structure of reforms we need to make in our budget, our tax system. we're kind of -- we've gotten ourselves into a kind of a short-term day-to-day dialogue. we're not really addressing the real issues. >> a couple things going back to jpmorgan. first of all, we learned time and time that no man, no human being is smarter than the markets. not anybody. that's number one. and number two, with regard to the banks and the size of the bank, we got rid of glass steegle which allowed investment banking to combine with commercial banking because we needed to b
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